The purpose of this study is to elaborate whether the determinants of commercial banks’ profitability affect the financial performance of commercial banks in Kosovo. Performance evaluation of commercial banks in Kosovo is done through measurement of financial performance indicators such as Return on Average Equity (ROAE), Return on Average Assets (ROAA) and Net Interest Margin (NIM). The study identifies the main factors that affect the profitability of commercial banks through analysis of financial time series and panel data of the banking sector in Kosovo. The study presents three models of financial performance analysis which highlight the influencing factors. The models are based on regression analysis, and the obtained results emphasize the relationship between the determinant factors of commercial banks profitability expressed through analysis of financial performance indicators. The study concludes that commercial banks profitability in Kosovo is driven mainly by internal determinant factors such as capital adequacy, asset quality and management efficiency, while macroeconomic factors have insignificant impact on financial performance of commercial banks.

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Liquidity is fundamental to the well-being of financial institutions, particularly banks. It determines the growth and development of banks as it ensures the proper functioning of financial markets. This research aims to examine the impact of macroeconomic variables (GDP per capita, inflation rate, and unemployment rate) on banking liquidity in the 28 European Union member countries, Turkey, and Switzerland from 2008 to 2020. The study relied on secondary data from the databases of international organizations, including the World Bank and Eurostat, to compile its sample of 390 observations. Since the research spans numerous states over 13 years, panel data are used, which are estimated using a simple linear regression model using the least squares method. According to the regression findings, GDP per capita and the unemployment rate positively affect bank liquidity, whereas the inflation rate has a negative effect on bank liquidity. Also, the regression analysis did not find any statistically significant impact of GDP per capita and unemployment rate on bank liquidity. This study shows that the inflation rate is a statistically significant macroeconomic variable that affects banking liquidity.

This paper aims to investigate the effect of government expenditure on health and other relevant factors like health insurance, longevity, average age and death rate on economic growth in Western Balkan countries. Countries with higher levels of government expenditure on health tend to have higher levels of economic growth. Investment in healthcare may result in a greater supply of health incentives which may help human capital and enhance productivity and the economy’s performance. This paper uses annual data from 2000-2020 for the following Western Balkan countries: Albania, Bosnia, Herzegovina, Kosovo, Montenegro, Northern Macedonia and Serbia. This region represents a diverse set of countries at different stages of development with varying government expenditures on health. This provides an opportunity to study the impact of health on economic growth in an environment with a lot of "real-world" variation. The data is collected from the World Bank, National Statistical Offices and Eurostat. The dependent variable is economic growth, measured as Gross Domestic Product (GDP) per capita growth. The independent variables are government expenditure on health as a percentage of GDP, health insurance, longevity, the average age of the population, health expenditure per capita and the death rate. In order to measure the impact of individual factors, the study uses econometric models with fixed effects and random effects. The regression analysis results show that government expenditure on health has a positive and significant impact on economic growth in Western Balkans countries.

The challenges and problems that the educational programs are facing nowadays are those that previously have not been present, therefore, the solutions of these concerns should be compatible and reasonable in order to have a complete function of the educational institutions, especially the universities that are in transition such as University ‘UH’ of Prizren. The main reasons of addressing this topic through this paper are the ongoing discussions from students for not being able to learn enough during lectures given by different professors in the Faculty of Economic. In order to get the most reliable results, we have used the statistical program SPSS v.26 in which different methods such as descriptive statistics, factor analysis, reliability, linear regression, and One-Way Anova analysis are implemented, also, we did the analysis of the connection and comparison of these methods. The results of this research are sustainable of e-learning services and the form of generating of quality model. Also, the relationship of these models highlights among factors and provides a research foundation for elaboration in other contexts.